Debt Consolidation & DRP

In Hong Kong, whether you choose debt clearance or debt relief, the significant difference compared to DRP is that applicants do not need to go through the arduous process of legal procedures, saving substantial legal fees.

Applicants only need to apply for a Debt Consolidation loan from "Tiptop Credit" based on our own conditions. We can assist you in formulating a debt management plan, consolidating multiple debts into one loan, reducing loan interest rates and repayment amounts. With no longer being trapped by debts, you can restart your life with dignity.

Watch below videos about debt relief now!

資金短缺如何應付到期的還款?
申請破產是否為應付不到目前債務最好的選擇 (上)？
應付不到目前債務 甚麼方法避免債務違約 (中)？
債務舒緩(DRP)的債務協商 如何解決應付不到目前的債務 ?

Whether it's a private residential estate, villa, village house, or standalone building, whether for personal use or rental, as long as you are the property owner, you can apply. Homeowner Loans can be unsecured, providing flexibility.

Say goodbye to worries about banks calling for loan repayment and high interest rates. You can fully utilize the value of your property while consolidating your debts. Find out more about "Homeowner Loans" and enjoy interest savings while cashing out to meet your financial obligations.

According to the Housing Ordinance, Home Ownership Scheme owners are prohibited from selling, renting, mortgaging, or transferring ownership of their units within the five-year restriction period or if the land premium remains unpaid after the five years. As a result, homeowners who have not settled the land premium are unable to obtain second mortgage loans or refinancing to unlock the value of their property. 

However, with Tiptop Credit, as long as you are a homeowner of an HOS unit with outstanding land premium, we offer pre-approved loans of up to 10% of the property value. This allows you to cash out a significant amount and pay off multiple debts all at once, saving on substantial interest expenses. 

Discover more details about our Home Ownership Scheme loan today.

Tiptop Credit provides loans for public housing owner and tenants , offering a pre-approved amount of $50,000. No income proof needed, making it accessible for self-employed individuals, drivers, homemakers, and construction workers to apply for cash flow and debt consolidation needs.